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unknowing wrote:
How do I stop several collections agencies from calling me about the same debt? In Aug of 07. I received a collection letter from NAFS and I responded back asking them for validation of the debt and they didn't provide anything. However they still call me 5x's a day. Today I received a collection letter from Northstar and they have been calling me for about a week now. How do I get these people to stop calling me because they both are calling about the same debt. The debt is over 7yrs old.
Notify them in writing to cease and desist all contact. Further advise that you realize that hte debt is beyond the 7 yr reporting limit and past the SOL (if applicable). Further advise that if they continue to harras you, you will file a complaint with the FTC.Gonna move this to the appropriate thread.
Statutes of limitations are designed to aid defendants. A plaintiff, however, can prevent the dismissal of his action for untimeliness by seeking to toll the statute. When the statute is tolled, the running of the time period is suspended until some event specified by law takes place. Tolling provisions benefit a plaintiff by extending the time within which he is permitted to bring suit.
Various events or circumstances will toll a statute of limitations. It is tolled when one of the parties is under a legal disability — the lack of legal capacity to do an act — at the time the cause of action accrues. A child or a person with a mental illness is regarded as being incapable of initiating a legal action on her own behalf. Therefore, the time limit will be tolled until some fixed time after the disability has been removed. For example, once a child reaches the age of majority, the counting of time will be resumed. A personal disability that postpones the operation of the statute against an individual may be asserted only by that individual. If a party is under more than one disability, the statute of limitations does not begin to run until all the disabilities are removed. Once the statute begins to run, it will not be suspended by the subsequent disability of any of the parties unless specified by statute.
The unexcused failure to start an action within the statutory period bars the action. Mere ignorance of the existence of a cause of action generally does not toll the statute of limitations, particularly when the facts could have been learned by inquiry or diligence. In cases where a cause of action has been fraudulently concealed, the statute of limitations is tolled until the action is, or could have been, discovered through the exercise of due diligence. Ordinarily, silence or failure to disclose the existence of a cause of action does not toll the statute. The absence of the plaintiff or defendant from the jurisdiction does not suspend the running of the statute of limitations, unless the statute so provides.
The statute of limitations for a debt or obligation may be tolled by either an unconditional promise to pay the debt or an acknowledgement of the debt. The time limitation on bringing a lawsuit to enforce payment of the debt is suspended until the time for payment established under the promise or acknowledgment has arrived. Upon that due date, the period of limitations will start again.